The Best International Money Transfer Services in Sweden in 2026

Compare transfer services available in Sweden

Check the final amount received alongside your funding method, especially when choosing between a Swedish bank payment, card or cash-funded transfer.

Swedish bank funding and overseas bank payments

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Smaller weekday exchanges

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Flexible family receiving methods

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Bank or eligible card delivery

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

Visit

"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Card-funded mobile wallet payments

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Staffed sending through FOREX shops

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Trustly-funded family payments and phone top-ups

8.7

WorldRemit

Fees

$1.99 - $2.99

Exchange Rate Markup

0.8% - 3%

Transfer Speed

Minutes - 2 days

Visit

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

My reviews of the services

Wise

Swedish bank funding for overseas payments

Wise combines Swedish bank funding with payments into foreign bank accounts, using the mid-market exchange rate plus a separate transfer fee.

Trustly lets eligible personal customers authorise funding through their own Swedish bank, which avoids entering a conventional bank transfer manually.

I'd say consider it for an overseas invoice or moving savings when the recipient wants money in a bank account rather than cash.

SEK funding must come from a bank within Sweden, and Wise does not accept incoming SEK funding through SWIFT.

That restriction is important if your kronor are held abroad, because the balance’s currency alone does not make the funding method eligible.

The maximum can reach SEK 12.5 million depending on the payment method, while card funding has lower limits and your bank can impose its own cap.

Trustly funding usually takes zero to two working days, so authorising a payment does not guarantee that the recipient receives money immediately.

The final delivery estimate includes conversion and the destination’s payment process, which can differ between pounds, dollars and other currencies.

Wise Europe is regulated in Belgium, and the service suits bank payments without requiring your recipient to open a Wise account.

Revolut

A strong option for smaller weekday exchanges

Revolut Standard includes SEK 10,000 of monthly currency exchange without an extra weekday exchange fee, giving occasional senders room before additional charges apply.

I like that allowance for a modest foreign payment when you already have a verified Revolut account and enough unused allowance.

The allowance resets on your account’s monthly cycle, and relevant earlier exchanges reduce what remains available for your next payment.

Standard adds a 1% fee above the allowance and a 1% weekend exchange fee, so timing and previous use affect the result.

Revolut sets its own exchange rate, which means an exchange without an additional fee is not a promise of the mid-market rate.

You can fund the account by supported bank transfers or cards, although commercial cards and cards issued outside the EEA can carry funding charges.

A foreign bank payment may also have a transfer fee separate from the exchange charge, so check the complete payment rather than the allowance alone.

Free EUR SEPA payments can suit a euro recipient after conversion, while other destinations and payment methods follow their own pricing.

Revolut Bank UAB is a Lithuanian bank, and its app provides banking payments rather than an ordinary cash pickup network for recipients.

Remitly

Flexible receiving methods for family support

Remitly lets Swedish residents send to supported bank accounts, cash pickup partners or mobile wallets, depending on the recipient’s country.

I like it when your family member’s preferred collection method is more important than using a bank transfer at both ends.

Swedish funding options include debit and credit cards, with Apple Pay and Google Pay available where the payment setup supports them.

Those options suit someone who wants to authorise a card payment rather than arrange a separate transfer from their Swedish bank.

The delivery choices vary between destinations, so confirm the particular bank, wallet or collection partner before relying on a general country listing.

Cash recipients need the identification and collection details required by the local partner, and opening hours can affect when they access the money.

The total cost combines any transfer fee with Remitly’s exchange rate, while funding and receiving methods can change the quote.

A first-transfer offer can improve an initial payment, but I'd say judge regular family support against the normal price for subsequent transfers.

Estimated delivery also depends on funding and checks, so an urgent payment needs the estimate for that exact transaction rather than a general speed claim.

Remitly Europe Limited serves Swedish residents under its Irish regulation, with profile and destination limits applying to the amount you can send.

TransferGo

Payments to banks and eligible cards

TransferGo supports personal transfers from Sweden in SEK or EUR, with bank funding and eligible card payments available through its online service.

The recipient can receive into a supported bank account or eligible card where that option is available for the destination.

I'd say consider it when card delivery suits the recipient better than waiting for an ordinary bank credit or collecting cash.

A card payout still needs a supported destination and card, so having a card number does not guarantee that the receiving method works.

Bank funding must follow the payment instructions and come from an account in your name, with the exact amount requested for the transfer.

Card funding offers another route, but its fee and delivery estimate can differ from the bank-funded option for the same recipient.

The exchange rate and any transfer fee together determine the result, so a low headline fee alone does not establish the cheapest payment.

Check the available delivery choices before committing, particularly when the recipient needs money by a certain date or wants immediate access through their card.

TransferGo Lithuania is a regulated electronic money institution, and its online service does not replace a staffed agent when either person needs cash assistance.

Taptap Send

Card-funded support for recipients using local wallets

Taptap Send serves Swedish senders with transfers to supported family remittance destinations, including bank accounts and local wallets where available.

I like it when the recipient already uses a supported mobile wallet and wants the payment to arrive there directly.

Swedish customers can use supported debit cards, and current card options also include eligible credit and prepaid cards rather than debit cards alone.

The recipient’s wallet and country still need to be supported, because a familiar wallet name does not establish coverage for every location.

Wallet access can help a recipient use money locally, although withdrawing it as cash may involve charges imposed by their wallet provider.

Most routes price the service through an exchange-rate margin, while selected destinations or receiving methods also carry a separate transfer fee.

That makes the amount arriving in the chosen wallet or bank account a better comparison than assuming every transfer has no fee.

Credit card funding can bring additional charges from the card issuer, so I suggest checking those before choosing it over a debit card.

Taptap Send Belgium is regulated by Belgium’s central bank, and identity checks or receiving limits can restrict a payment below a general sending limit.

Western Union

Staffed sending through FOREX shops, including cash access

Western Union through FOREX gives Swedish senders a shop-based service when they want help sending money without relying on an online bank account.

FOREX offers the service in its shops, where you bring identification and arrange the payment with staff rather than using a FOREX online transfer.

The figures below cover online transfers, so request a separate counter quote when you send through a FOREX shop.

I think that channel is worth considering when paying in person or arranging cash collection fits you and the recipient better than an app-only payment.

A passport or driving licence can identify the sender, while the recipient needs the identification and transfer details required for collection.

Receiving options can include cash, bank accounts, cards and mobile wallets, but availability depends on the destination and the selected service.

Western Union’s online Swedish service also supports methods such as Trustly and eligible cards, giving bank customers a separate digital route.

The online quote and a FOREX counter quote can differ, so the comparison above should not be treated as a price promised by the shop.

Both the transfer fee and exchange rate affect cost, while agent hours and verification affect when cash becomes available to collect.

Western Union’s Swedish online service is provided by Western Union International Bank in Austria, regulated by the Austrian Financial Market Authority.

WorldRemit

Bank-funded family payments with phone top-ups as an extra

WorldRemit lets Swedish residents fund transfers through Trustly, eligible cards or Apple Pay, with receiving methods selected for the destination.

Alongside bank payments, cash and mobile money, it supports airtime top-ups for eligible phone networks, which can cover a different family need.

I suggest considering it when you want bank-authorised funding and your recipient already uses a supported local mobile money service.

Trustly draws funds from your own bank account, but funding confirmation and the recipient’s delivery time are separate stages of the payment.

The Swedish service sets a maximum of SEK 80,000 per transaction and per twenty-four hours for the listed funding methods, subject to applicable checks.

Verification can involve a passport, European driving licence or residence permit, alongside documents proving your Swedish address when requested.

That gives newcomers an identification route without assuming every international transfer service requires Swedish BankID for its own customer verification.

The phone top-up option adds credit to an eligible mobile number, so it should not be confused with cash that the recipient can withdraw.

Compare the selected payout’s fee and exchange rate, particularly when switching between mobile money and bank delivery for the same destination.

WorldRemit’s Swedish customers use its Belgian regulated payment institution, and available receiving partners determine which options appear for a particular transfer.

Choose the receiving method before the funding method

A bank deposit can work well for an overseas bill, while a mobile wallet or cash collection may suit family support better.

The recipient usually does not need the sender's app for an ordinary bank deposit, although you need the correct account and beneficiary details.

My suggestion is to check the exact wallet or collection partner before choosing an app, because a supported country does not establish every delivery method.

Cash collection also depends on identification and opening hours, which can make a late payment less convenient than its headline delivery estimate suggests.

Check how your Swedish bank account can fund the transfer

Trustly can connect an eligible Swedish bank account to services such as Wise, Western Union and WorldRemit without arranging the bank payment manually.

TransferGo also accepts supported bank funding, while Remitly's Swedish service uses cards and eligible digital wallets rather than a promised Swedish bank funding route.

Before registering, I suggest checking these options, particularly if you have recently arrived and are still arranging your Swedish banking access.

BankID may authorise a payment through your bank, but it is not a universal identity requirement for every provider or staffed transfer service.

FOREX shops offer Western Union transfers with accepted identification, while WorldRemit's verification can use documents such as a passport or residence permit.

Swish access alone does not establish an international funding option, so follow the selected company's payment instructions rather than assuming every local method works.

Separate SEK conversion from the bank payment

Sweden participates in SEPA, but a euro payment still requires currency conversion when the money starts in a Swedish krona balance.

A low SEPA transfer fee can therefore leave you paying more overall if the bank's SEK to EUR conversion is expensive.

For regular payments such as a British mortgage or support abroad, I suggest comparing the final amount received against the same SEK budget.

Check whether the receiving account can hold the currency you send, since a second bank conversion can reduce the amount available to the recipient.

If the payment uses SWIFT, intermediary or receiving bank charges can also affect the result beyond the sender's quoted fee.

Match the service to recurring and larger payments

Revolut's Standard allowance can suit smaller weekday exchanges, but earlier currency activity and weekend timing can add charges to the next payment.

For a larger bank transfer, Wise's Swedish funding route is worth considering alongside a currency broker in Sweden if personal rate support would help.

An app's advertised maximum does not remove your own bank's payment limit or the provider's identity and source-of-funds checks.

I'd say arrange the funding route before a completion deadline, especially when a new recipient or unusually large amount may trigger additional checks.

For a price-focused decision, our cheapest ways to send money abroad from Sweden guide can help you examine the cost in more detail.

How to send money abroad from Sweden

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